Number of active mobile banking users
Number of active mobile banking users
Market share for savings
Businesses, numbers x 1,000
150
120
90
!e-M
2009 2010 2011 2012 2013
internet banking fell in 2013. This is because banks are quicker to identify and prevent fraud,
and because campaigns on secure banking have made consumers increasingly aware of the
methods used by criminals.
With a view to safeguarding secure banking and payment services, Rabobank blocked many
debit cards for use outside Europe with effect from 1 June 2012. This country block was
implemented to prevent losses due to skimming and thereby limit any inconvenience for
customers. Stolen debit card data are used to withdraw cash outside Europe, especially.
Customers can easily activate or deactivate their cards for one or more continents via Rabo
Internet Banking or via their local Rabobank. The country block limits losses due to skimming.
You can read more on this in the sustainability report.
SEPA migration - the transition to a single European payments market
The migration to the Single Euro Payments Area (SEPA) - the transition to a single European
payments market - occupied centre stage in 2013. After the migration to SEPA there will no
longer be any difference for customers between domestic and international payments and direct
debits within Europe. All existing account numbers will be converted into the corresponding
international bank account number: IBAN. Many Rabobank customers switched to SEPA in 2013.
The impact for retail customers was relatively limited and the migration took place in stages
and automatically. Moving to SEPA was more complex for business customers. Over 110,000
business customers required substantial adjustments of their financial systems and software
to be able to migrate to SEPA smoothly. This group needed extensive support from Rabobank,
which it provided in the shape of migration consultants and a comprehensive campaign of
follow-up telephone calls in December, aimed at 90,000 business customers. As a result, virtually
all customers were using SEPA products on 1 February 2014. On 12 January 2014, a member of
the European Commission proposed the use of a dual period for customers who had not
completed their migration on time.
Savings
The Dutch savings market expanded by 1 in 2013 to EUR 325.3
(323.6) billion. Rabobank Group's market share in the savings
market was 37.8% (38.8%), of which 36.7% (36.5%) was attributable
to the local Rabobanks, 1.0% (1.2%) to Roparco and 0.1 (1.1 to
Friesland Bank.The negative publicity in connection with Libor had
no material effect in 2013 on the change in Rabobank Group's share
in the savings market. The banking activities of Robeco that were
not sold to Orix Corporation have been included in the financial
Private individuals, numbers x 1,000
2,500
2,000
1,500
1,000
2009 2010 2011 2012 2013
2009 2010 2011 2012 2013
45 Broad range of services in the Netherlands
